12 Spruce St, Lynn, MA 01905 Property Records

Essex County and Lynn City property record for 12 Spruce St, Lynn, MA 01905

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,008 sqft · built 1960
Lot Size	0.135 acres (5,902 sqft)
Owner	Individual Name on File
Last Sale	$510,000 (Aug 2024)
Tax Bill	$5,652 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B:023 L:382 S:006`

Property Details

APN / Parcel Number

Primary APN	`B:023 L:382 S:006`
Alternative APN	`LYNN M:023 B:382 L:006`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,153 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,902 sqft (0.135 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 SPRUCE ST
City	LYNN
State	MA
Zip	01905-1032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	382
Legal Lot Number	6
Jurisdiction	LYNN MA
Township / Civil Division	LYNN
Census Block Group	4
Census Block	4000
Census Tract	205600

Owner

12 Spruce St is owned and occupied by an individual who bought it in August 2024.

Source: Essex County and Lynn City records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	12 SPRUCE ST, LYNN, MA 01905-1032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2024 · Amount on File
Deed Sale	Aug 28, 2024 · Amount on File
Prior Sale	Dec 2, 2005 · Amount on File
Deed Document Number	202420240828001100
Deed Book / Page	42295 / 185
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYNN MA
Property Address	12 SPRUCE ST, LYNN, MA 01905-1032
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	043286-251
Date	Mar 23, 2026
Book Page	43286/251
Instrument	20260323000700

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 12 Spruce St was $5,652, up 4.7% from the year before.

Source: Essex County and Lynn City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Essex County
Municipality	Lynn City
Unified School District	Lynn School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,652.00 (+4.72%)	$545,600 (+6.46%) Land $205,500 Building $340,100	$474,145
2024	$5,397.00 (+4.82%)	$512,500 (+10.98%) Land $204,200 Building $308,300
2023	$5,149.00	$461,800 Land $188,500 Building $273,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Spruce St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Spruce St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNN WATER AND SEWER COMM serves 101,253 people · EPA ID MA3163000
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880
T-Mobile Fixed Wireless	100 / 20